perceptions of retail bank customers. Empirical studies were performed in two waves. First,
qualitative research was undertaken in the form of seven focus groups and 39 one‐to‐one
interviews. These produced 963 text items that described customers' service quality
perceptions. These were categorised against the technical and functional service quality
schema proposed by Grönroos. Then, a three‐phase, four‐sample, quantitative study was …